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  1. I wanted to report a success against UKPS that started in Dec 2018 and was concluded today. I did do a bit of reading through this site for guidance though so thanks for that! in Dec 2018 a family member reversed onto a private road in Coventry and waited about 1 minute or so to collect their partner. Meanwhile the owner was loitering and waiting to catch anyone on his land with photos. 2 photos were taken about 40 seconds apart. With my help I disputed the charge stating that the driver had not "parked" but had only stopped momentarily to pick up a passenger. I did no
  2. Hi all Haven’t been on for a while, but nice some familiar names are still active on here! I have gotten into a situation and would really appreciate some advice and help. I have the same feeling I did when I helped my Dad some years back with debt issues, where currently everything feels quite daunting but know the CAG members hold a wealth of information and have always been great As I want to anonymise this, please bear with me for being vague anywhere. Completely out of character, I ended up in an altercation, things were said, the other party initiated pushin
  3. This is what Lloyds have sent me, clearly not the original as the font is exactly the same as on the new 1 and it looks like it was literally printed yesterday, shocked really as I only sent the letter friday but theres a copy of this, the current terms and a statement. Now i'm no expert but I think this is probably what they send everyone, how do I know this is what I agreed to?. Confusing as hell though, "see condition 8" etc. Clearly deliberately written with the intention of making little sense, but please can someone have a look.
  4. I am having a right nightmare with Kensington mortgage company and need some much appreciated help . I had a suspended possession order granted in oct 2007 as I had lost my job at the nhs and my wife business had collapsed the suspended possession order was issued in oct 2007 for my monthly payment plus £50.00 i think i need to dig it out as it was nearly 6 years ago i will post later the exact amount I have been making payments over the last few years to Kensington but also built up massive arrears on my council tax and second secure loan with welcome finance at the
  5. Good Afternoon. I was wondering if someone can help me with some questions regarding an old debt I have. About 5 years ago, my mother became terminally ill, I was in full time work and had to reduce my hours to help her as she refused to go into care. At the time I was paying for a Loan from NatWest. I knew I was going to start to struggle paying the loan amount so I went into the bank to ask for help. 3 times I went in asked, each time they either tried to replace it with a bigger loan over longer or just said no. On the 3rd time I spoke to the General Manag
  6. Hello all, I just wanted to gather some advice regarding this, as I am currently thinking of taking it down the route of small claims court. Around about 2 years ago (23 months to be exact) we had to have a new meter installed at our flat due to the monitor on the then existing one breaking. No worries, that is absolutely fine, crack on. Slowly but surely we started to see a dramatic increase of the price of our bills. From when we were paying on average £40/50ish (one bed flat), started to become £100, sometimes £200 plus. Obviously to any rational human being tha
  7. Hi..I'm a newbie here so thanks in advance for your help. I got into financial trouble in 2007 with an unsecured loan my ex husband got me into (it's in my sole name). I divorced my husband and missed payments on my loan. It went into default. Lloyds got Apex involved, I made an agreement and started paying £60pcm. Life moved on, the default timed out on my credit file, I moved house but carried on paying. I struggled financially and lowered my payment to £50pcm. 1 year after lowering my payment brings me to present day. Robinson Way have been calling me askin
  8. Today I received a white county courtclaim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012. On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information Specifically I wrote: I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA
  9. Good evening We would appreciate your advice please. A friend bought a second hand car from a dealer and as she drove it away, she noticed a smell of burning but initially dismissed it because it was apparent that the car had been valeted inside and out and she believed it to be the heated seats drying or the engine maybe drying off from a clean. Over the next few days, the smell remained and the lights, heated seats, rear wiper and other electrical things started to fail. She contacted the dealer who requested she fetch it back but as the issues deemed the car unfit for the ro
  10. I purchased a 15 month old 2017 Swift Escape 685 motorhome for 46k in August 2018 which developed various faults, initially minor but getting more serious/worrying over the short time I've owned this. This is my first ever motorhome and my wife and I purchased this for trips to maintain our holiday home business throughout the year, not just for holidays, the dealer was made aware of this before our purchase. We decided to purchase a used model because we believed it would have had any initial teething problems solved, so would be more reliable than a new model, my first mistake! I
  11. Hi all, Just a bit of a background, I called Blackhorse on the 23rd December 2018 to check whether I had any PPI on loans that I took out many years ago. The first and most relevant was taken out in 1987 as I recently found out from them. They found I had three within 87 and 91. They didn’t indicate or tell me whether or not there was PPI on any of my agreements and instead sent out a complaint form and explain to them why I was misold any of the policies attached to each loan. I had no paperwork at the time of calling. A week later I sent back the form and gave the reasons why
  12. Please can anyone help with advancing this? I would be really grateful if a Default Notice 'Expert' could kindly offer me any advice. I have a long standing dispute with a Creditor on my DMP – MBNA/Moorgate (sold to IDEM post complaint Oct 2016). Original creditor MBNA on DMP May 2009, sold to Moorgate 2012, Default Notice from Moorgate Dec 2013 but binned by them (even though letter to terminate agreement thereafter also and no other monthly statements received), they didn't record the Default Notice with CRA either, I have (Moorgate) arr
  13. About two weeks ago (Jan 2019) I received a letter from DrysdensFairfax solicitors acting on behalf of CapQuest for a debt of £9900.07 which I want to defend on the basis of its being and unenforceable debt. The original credit agreement was with Virgin Money and dates from 2005 The original default letter dates from 2009. The debt has increased due to 'various court charges etc charges' that aren't itemised They issued court proceedings in 2014 which I defended, and they put a stay on the case.. they have recently requested for the stay to be lifted and a court date has
  14. I have read the stickys and I see that a lot has changed since last time I did this. ParkingEye have recorded me overstaying in a shopping estate car park and have issued me with an £85 fine (reduced in paid quickly). I am wondering if anyone has had success by providing evidence that they were genuinely in the shop for the time period shown, busily purchasing away! Essentially I was in costa and can show from my bank statements that I bought a lot of coffees whilst I was there working (oblivious as I was to the time restriction). Is this worth appealing about? My thinki
  15. I am up to my eyes on another legal thread on here. I am having so many problems with uploading my documents from pond **** in the pdf format, edited. I have a wireless printer than I can scan to my laptop. If I scan them in pdf format, I can't edit them. If I scan in jpg format, I can then use 'Paint' to painstakingly edit out personal info using the 'fill' tool but then can't save it as a pdf file. I am stoney broke and all the editing softwares want paying up front. Am I just being elderly
  16. Dear Forum members, I would like to ask you if you could kindly help me draft the best POPLA appeal that I can in regards to the NTK I received from UKPC? Appeal sent as the Keeper of the Vehicle on the following grounds and asked for further information: 1. Equalities Act 2010 compliance (have sent them proof of disability for an occupant of the vehicle) 2. Parking Charge amount claim grounds 3. Asking them to give a breakdown of their actual loss. Is the charge a true reflection of damages? 4. Their status – the creditor? 5. Ownership of premises?
  17. Hello, I have had an ongoing problem with Lowell for the past few years for 3 three mobile debts. Now yes I had contracts for these but I left due to lack of service and the fact that the phones were practically useless as none of the 3 could ever get signal in the house. The debts are for the cancellation fees that Three applied to the account. I have written to Lowells asking them to prove it, only to be sent the statement form three of the charges that were applied, now it is my understanding that mobile phone contracts are not under the CCA and therefore I don
  18. Hi, I received a Parking Charge Notice for parking in a place I thought would be fine to park in. I have a PCN for £60 rising to £100 that I just can't afford to pay. Things are so tight i'm afraid that this might take me over the edge. Is there ANYONE that can help me? Key details... - Date of infringement: 11/01/2019 - Not appealed yet. - NTK: Not received the notice to keeper - Company: One Parking Solution Ltd. - Place: New England House, Brighton.
  19. I received a Letter of Claim(pre action claim letter) from Lowell Solicitors on 03/06/2018, and have 30 days to send them the reply form, but just saw it today. Very worried if it is late. The Account start date 14/01/2013 Date of default 14/12/2013, the original company name is THree mobile, regarding 385.51 balance., so maybe a mobile contract wih handset. Then I sent the reply form back to the solicitors and CCA request to Lowell portfolio I Ltd, On 26/07/2018 received these letters from Lowell solicitor today( please see attached pictures) It says: "As this is
  20. Hi and hoping it will be a happy year for most people on here.... I wanted to ask a bit of legal advice. Have a court hearing in 3w regarding a debt to a private lender. Its a serious situation. ie repo hearing cos i secured loan against property. I can't borrow/ remortgage. This asset and contents are all I have. There is equity. But in this bad market and if there is a repo process, who knows... I have been trying for ages to sell my asset and repay debt; it just hasn't happened. Til now. I now in talks with 2 serious buyers. Both sorting finances (cash). A
  21. Name of the Claimant - Vehicle Control Services Date of issue – 30 Aug 2016 What is the claim for – the reason they have issued the claim? 1. The claimant's Claim is for the sum of £100.00 being monies due from the Defendant to the Claimant in respect of a PCN issued on 3/7/2015 at *home address* 2.The PCN relates to *reg number* The terms of the PCN allowed the Defendant 28 days from the Issue Date to pay the PCN, but the Defendant failed to do so. 3. Despite demand having been made, the defendant has failed to settle their outstanding liability. 4. The C
  22. Dear All, I have had a scary incident today! I was rushing through a saintsbury's local and accidentally tagged one item worth 2 GBP as carrots, I purchased 4 items and only one had the issue. The security guard asked me to go to a room with the manager who claimed that I did this 3 times without showing any proof! It did happen a time before and I assured her that it was a mistake and I re-scanned the item I wanted to purchase and paid for it (it was a glitch in the system which she did not admit, the self checkout was already waiting for carrots to be scanned and did
  23. Hi All I've received a letter from Monarch, a debit collection agency, stating that they are pursuing me for a debit of £12 (yes £12!!!) on behalf of an old Talk Talk mobile account I had. I haven't used the mobile number or sim for at least three years. The sim came free when I joined TT for one of their broadband, TV and phone packages about 6 years ago. I contacted Talk Talk in December by phone and they said that the monthly charge I was liable for had been introduced from July 2017. Unfortunately they had my old email address and they sent notification to that old emai
  24. Help! im a student and my Uni is very close to a Morissons. I've parked there randomly a few times and got 2 tickets for 50 pounds for overstaying the 2 hour period. To be fair i wasn't looking for any parking signs as i was always in a rush and didn't even know that i had a time limit in a shopping center car park. To be fair is a very small town. I live in Northampton by the way. I have receiving 3 letters( each for the 2 tickets) from Euro car parks which i kind of ignored and after that i have been getting tickets from DRP saying i have to pay 150 pounds each for both
  25. Hi, I don't know which is the right thread/forum to post in as I do not usually use forums but I need Legal help and advice urgently. I won't name the bank this is concerning as the matter is currently on appeal with the Financial Ombudsman. However, I do feel that I must take further legal action regardless. In brief, I registered my contact details (tel number) on an online trading site, I was then telephoned by someone claiming to be from that site and that I had to register my ID with them and make an initial deposit. (I won't name the sites just yet as this is stil
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